Rent Receipts and HRA: Claiming It Without a Notice
PAN thresholds, monthly receipts and why a registered agreement is the cleanest proof when your employer or the assessing officer asks.
SSneha KulkarniMarket Research, Rentfly
HRA exemption is one of the most commonly scrutinised deductions. The documentation bar is low, but it is strict.
What your employer will ask for
- Monthly or quarterly rent receipts signed by the landlord.
- The landlord's PAN if annual rent exceeds ₹1,00,000.
- A copy of the rent agreement matching the rent claimed.
Common mistakes
Receipts issued in a single batch at year end, rent paid in cash without a bank trail, and agreements whose stated rent differs from the amount claimed are the three patterns that trigger follow-up questions.
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